I thought he was just going to say he did a chargeback, with how the first seven paragraphs went. What he described was not ideal for several reasons:

- Some websites won't accept prepaid cards (largely because they can be used to get around things like this).

- Who knows if a platform's going to save your previous card info to use as a fallback?

- As another reply stated, the company can send you to collections if they think you owe them money. They can also do that if you do a chargeback, theoretically. However, with a chargeback, your card company did some basic checking of the situation and agreed with you that something was wrong about the payment, so assuming you win the chargeback, you've at least had a second pair of eyes on the case, and you have that tiny bit of metaphorical "precedent" to use if you take the collections order to court-- both of which also mean they're less likely to take you to collections. If you just swap out your card number for one that doesn't work, that shifts some of the shadiness to your end, and it legally appears less like you have any grounds to stand on.